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长沙小富婆教你怎么省钱

  • 2026-06-16 15:31:04
长沙小富婆教你怎么省钱
闲话少叙，上干货！
坚持记账，动态监控。
用Excel手动记账。拉一个简单的表格，以月为单位记录支出，分类为衣物，化妆品，交通费，伙食费，物业水电费等，每周打开自己的微信支付宝等支付软件查看，分类填好，每一分钱都不放过。另外拉个分表记录自己的现金等价物，包括现金和各张银行卡的余额和支付宝或者微信里的余额以及理财产品金额，信用卡花呗等负债金额也要体现。如果有房贷也要记录，每月复盘，每年总结。
记账可以清晰掌握自己的收支状况，知道自己还剩多少钱，花了多少钱，花哪去了，哪一块花超了，从而进行调整和控制，不要嫌记账麻烦，只有站在上帝视角看钱是如何跳脱的，才可以控制钱。
强制存钱，定目标。
存钱不是把自己用剩的钱存起来，而是定一个每月必须存的金额，不饿死就坚决要存下来这笔钱。哪怕每月存一千块，10年就12万了呢，碾压那些乱花钱的人。
现在余额宝啊，手机银行等存钱非常方便了，但自制力不高的人可以返祖，去用存折存定期，现在存款利率很低了，不用纠结定期年份，就一年期，每个月发了工资就去银行存一笔，这样想花钱的时候还得去银行取很麻烦，定期提前取出损失利息也心疼，可以有效抑制花钱的冲动。
尊重小钱，用心节约。
去超市要比价，看克重对比，记住自己常买的东西价格，知道哪些东西在哪个店更便宜，吃饱了逛超市则可避免冲动消费。几多全之类零食店的鲜食零食是引流款，实惠，买了就走，别去买里面属于韭菜专供的长保质期零食。买衣服犹豫就回家睡一觉再决定买不买。去景区在外面买好吃的喝的带进去，别信什么爬山买烤肠的才是好人的鬼话，坚决不让景区老板多赚一分钱。
日用品等固定要用的东西，网购比较划算，现在618和双十一力度不够大了，可以在任何时段价格合适的情况下购买，提前买，不要等到用空了临时买，那样价高，也别囤多了，过期浪费。外穿的衣物买好一点，睡衣可以不买，旧衣服当睡衣挺好，什么内裤，袜子，穿里面的随便买买就行，化妆品买好一点，效果显著且用得久，护肤品购买频率更高，基础保湿即可，人没有不老的，别浪费钱买贵妇款。
网费，电话费等套餐续约多查询是否新套餐更划算，别被杀熟，点外卖下馆子看看平台优惠券比价，肯德基麦当劳可以在淘宝寻找代下单超便宜。出行乘坐公交地铁，省钱得很，还锻炼身体，别人笑你不开车，你反手买房气死他。
积少成多，小钱也要重视，不尊重钱，钱就会离你而去。
心理暗示，自我加压。
和父母住的人就想象自己是租房党，把所谓房租存下来，未婚的人就想象自己是带娃党，把所谓奶粉尿布钱存下来。
把自己放在屌丝生态位，想象自己比谁都穷，就如之前有高价冰棍，现有天价地摊，时代变了，摆摊的都狮子大开口了，把人当大冤种，千万别凑热闹，摊主哪天盖房，就是你们给帮忙砌的，哈哈哈。
有些存不下钱的人挽尊说节流不如开源，不要信了他的邪，自己存让他洒光。存钱和赚钱不冲突，存钱也不是找虐而是为了有能力买房买车买大件，彻底提高自己的生活水平，为此辛苦付出心思和时间是值得的，一寸光阴一寸金，就把光阴去换金！
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000400s ] mysql:host=127.0.0.1;port=3306;dbname=e460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000873s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000274s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.001367s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000701s ]
  6. SELECT * FROM `set` [ RunTime:0.000242s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000633s ]
  8. SELECT * FROM `article` WHERE `id` = 548778 LIMIT 1 [ RunTime:0.000445s ]
  9. UPDATE `article` SET `lasttime` = 1782853725 WHERE `id` = 548778 [ RunTime:0.004210s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000272s ]
  11. SELECT * FROM `article` WHERE `id` < 548778 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.002157s ]
  12. SELECT * FROM `article` WHERE `id` > 548778 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000424s ]
  13. SELECT * FROM `article` WHERE `id` < 548778 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002175s ]
  14. SELECT * FROM `article` WHERE `id` < 548778 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.006176s ]
  15. SELECT * FROM `article` WHERE `id` < 548778 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001994s ]
0.098063s